Merchant cash advance debt relief
Last updated
Merchant cash advance debt relief means reducing what you actually owe on your advances — usually by negotiating a settlement down to a reduced payoff, or reconciling payments to your real revenue — so the daily debits stop draining your business. With MCA Clarity you pay the funder directly on one affordable plan; we never take possession of your money.
A merchant cash advance isn't a loan on paper — it's the sale of your future receivables, repaid through daily or weekly ACH debits. That structure is exactly why a stack of them can outrun your revenue so fast. Relief is about getting out from under that without handing a funder a clean default.
Your paths out
- Settlement — negotiate each advance down to a reduced payoff. The workhorse for stacked merchants. How settlement works →
- Reconciliation — lower payments to match actual revenue when your agreement allows it. About reconciliation →
- Do it yourself — our Self-Settle toolkit hands you the scripts and letters for $49/week.
- Done-for-you — we negotiate the whole stack for you. See done-for-you →
Start by knowing your real numbers
Most owners underestimate what their advances actually cost because the "factor rate" hides a triple-digit APR. Run yours through the free calculator to see your true cost and an estimated settlement range, then see what you could save.
Why our structure matters
The single thing that separates legitimate relief from a scam is who controls your money. We never hold your settlement funds — you pay your funder directly, and we charge only a disclosed, e-signed fee. How to spot a scam →